Elizabeth, NJ · Cert 12013
SI · FDIC · 4 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #68 of 151 inst. · $1.3B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.53% | -1.47% | -1.43% | -1.37% | -1.45% | +8 bps | |
| Return on Equity | 66.46% | 77.78% | 88.99% | 170.04% | 136.18% | +6,972 bps | |
| Net Interest Margin | -0.43% | -0.41% | -0.40% | -0.36% | -0.32% | +11 bps | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Non-Interest Burden | 0.93% | 0.91% | 0.90% | 0.84% | 0.86% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.92% | -10.00% | -7.09% | -5.51% | -2.40% | -632 bps | |
| Loan Growth (YoY) | 12.09% | 13.02% | 2.54% | 5.46% | 8.13% | -396 bps | |
| Deposit Growth (YoY) | -7.59% | -10.56% | -10.52% | -7.18% | -2.60% | +499 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.66% | 0.55% | 0.82% | 0.91% | +36 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.65% | 0.65% | 0.66% | 0.65% | 0.65% | 0 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.0x | 1.2x | 0.8x | 0.7x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.63% | 8.54% | 8.32% | 8.10% | 7.77% | -85 bps | |
| Total Risk-Based Capital | 24.53% | 23.84% | 23.69% | 22.08% | 21.13% | -341 bps | |
| Equity / Assets | -1.68% | -0.62% | -0.47% | -1.15% | -1.59% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 20.60% | 21.41% | 20.70% | 22.39% | 22.86% | +227 bps | |
| Liquid Assets / Assets | 10.20% | 9.28% | 9.97% | 8.15% | 7.94% | -225 bps | |
| CRE / Total Capital | n/a | 69.04% | 67.79% | 83.83% | n/a | n/a | |